KR20040054449A - System payment of a written notice to wireless communications apparatus - Google Patents

Abstract

PURPOSE: A system for paying electronic GIRO by a mobile terminal is provided to allow a user to pay various banking settlement bills by a mobile terminal or a PDA and a group and a person to perform banking transaction each other without a GIRO bill. CONSTITUTION: A GIRO collection client(1) is a computer connecting to a GIRO charge payment system(3) through a wired/wireless Internet network(2). When a GIRO collector registers for the GIRO charge payment system(3), he/she is assigned a member specific number from the GIRO charge payment system(3). A mobile terminal(7) includes a smart card. A mobile communication system(5) generates a GIRO collector account of the GIRO charge payment system(3) and a module for a connection group number to allow a GIRO payer to connect to the mobile terminal(7). A mobile communication sharing system(13) is connected to mobile communication systems of multiple mobile communication providers.

Description

Electronic payment system by mobile communication terminal {System payment of a written notice to wireless communications apparatus}

The present invention is a giro payment system by a mobile communication terminal. More specifically, it is a system for paying various financial settlement bills by mobile phones, PDAs, and the like, and also enables financial transactions between groups and individuals without the bills.

Conventionally, the method of paying the bills of the Financial Services Agency is the method of collecting the bills by the collector and paying them at the bank, automatically transferring them to the bank account, and paying them by accessing the wireline-based Internet server of the Financial Services Agency. How to pay and how to pay by e-mail banking.

In detail, the website operated by the Korea Financial Services Agency (http://www.giro.or.kr) is a wired PC-based giro fee payment site, and Korean Patent Publications 1020000267697 and 1020000274778 are wired PC-based. There is a way to pay the Giro fee using the e-mail.

In addition, the method of paying dues and raising funds using a conventional mobile phone is a method used in electronic commerce, and a member accesses a website of an organization to pay dues and inputs an authentication number received from his mobile terminal. There is a method of making a living payment.

In addition, in the Republic of Korea Patent Publication No. 2002-0079139 the mobile phone payment is given a virtual account to the remitter and the recipient, after the funds to be transferred from the bank of the remitter is charged, sent to the virtual account of the depositor to transfer the payment to the real account have.

The problem is that the collector is complicated to get the Jiro paper issuance, it is expensive to issue the Jiro paper, and it is inconvenient because the procedure is very difficult to notify the recipient of the Jiro fee by issuing the Jiro paper. There were a lot of bills to pay, and it was inconvenient to check and pay bills, and the means of mutual community communication by group and individual mobile communication were insufficient.

In order to improve the problem, the depositor confirms the means for entering the issuance of the bills required by the KFTC by wired and wireless Internet-based computer systems, the means for receiving the KFTC system, and the approval of the KFTC. Means for receiving a connection unique number for accessing the recipient account from the mobile carrier system to the receiver mobile communication terminal, and for transmitting the bill of lading information to the recipient's mobile communication terminal. Means, means of transmitting the original Giro to the e-mail account of the Giro recipient, and means of payment of various Giro fees by entering the membership and payment means into the Giro payment system using their mobile terminal. And a billing confirmation to be sent to your mobile message and your email account. Sudan, Giro recipients once registered, means that you can easily sign up for membership in multiple organizations' giro collector accounts without revealing financial account information, and between all organizations and individuals that multiple people have to pay. The present invention provides a system that enables a financial transaction, and a system that enables a mutual group and a community between individuals.

1 is a block diagram showing a system configuration according to the present invention.

Figure 2 is an exemplary view showing an application for requesting approval of the Jiro collectors according to the issue of the Jiro Bank of the Korea Financial Clearinghouse according to the present invention.

3 is a flowchart in which a giro collector according to the present invention receives an application and approval of a giro issuance from the KFTC for issuing giro.

Figure 4 is an example of granting a Jiro issuance permit to the Jiro collectors according to the present invention by granting the Jiro issuance permit and the Giro form.

5 is an exemplary view showing that the giro collector according to the present invention applies for the access group number to the mobile communication company;

6 is a flowchart illustrating a process in which a giro collector is given a contract group number by making a contract with a mobile communication company according to the present invention.

7 is an exemplary diagram in which a mobile communication company according to the present invention gives access group number to a giro collector;

8 is a flow chart showing a process by which a giro collector in accordance with the present invention notifies the giro receiver of the charge payment and the giro receiver pays the giro charge.

9 is an exemplary diagram of a giro charge receipt guide message sent to a giro receiver mobile communication terminal by the giro collector according to the present invention;

10 is a diagram illustrating a giro fee payment guide shown on an LCD screen of a mobile communication terminal of a giro receiver according to the present invention;

11 is an exemplary diagram of a giro accept confirmation message displayed on a screen of a giro receiver mobile communication terminal according to the present invention;

Figure 12 is an exemplary diagram showing a giro fee payment situation, a new member, a withdrawal member registered in the giro collector account according to the present invention.

Figure 13 is an exemplary view showing that the Giro depositor sets the message for each Giro recipient by setting the text message, voice message, graphics, the bell sound for the community between the collector and the receiver according to the present invention

14 is a flowchart illustrating the transfer of electronic money from a receiver account virtual account to a collector account virtual account by a mobile communication terminal according to the present invention.

<Description of symbols for major symbols in the drawings>

1. Giro Beneficiary Client 2. Wired / Wireless Internet Network

3. Giro fee payment system 4. KFTC server

5. Mobile communication system 6. Mobile communication base station

7. Mobile communication terminal 8. Bank server

9. Card company server 10. Mail server

11. Giro Client 12. Virtual Account Control System

13. Mobile Communication Sharing System 14. Mobile Communication System

In describing the configuration for achieving the above technical problem, the configuration will be described with reference to FIG.

The giro collector client 1 and the giro receiver client 11 are connected to the giro bill payment system 3 via the wired or wireless Internet network 2.

The branch fee payment system 3 is connected to the financial settlement server 4, the mobile communication system 5, the bank server 8, the card company server 9, and the mail server 10. As shown in FIG.

The mobile communication system 5 is connected to the branch payer mobile communication terminal 7 via the mobile communication base station 6.

Describe the role of the main computer in the system.

The giro collector client 1 is a computer connected to the giro bill payment system 3 via the wired or wireless Internet network 2 and is a collector computer using a PC, a mobile phone, a PDA, or the like.

The Giro Bill Payment System (3) is provided with a means to receive a Giro Collector account when a Giro Collector connects, enters his / her personal details and registers as a member, and receives a member's unique number. In order to obtain approval for issuance, the group name, purpose of the group, the nature of the giro fee are entered, and a means for transmitting to the KFTC 4 is provided. The approval result is entered into the giro beneficiary account. In order to receive an access group number to be connected to the mobile communication terminal, a means for entering and transmitting a group name, a representative telephone number, a group personality, a charge character, a notice number, etc. to a mobile carrier is provided. Create a group access module that can be accessed by the Giro recipient account and the Giro receiver mobile communication terminal.

In addition, the giro fee payment system (3) pays the prepaid amount of the service use to the mobile carrier as a payment method of the giro collector as a payment method for the giro collector to transfer data to the giro recipient, the giro bill payment system Means for charging a fee are provided in (3), and means for displaying a service payment amount, a service use amount, and an amount for which a service can be used.

The service fee of the giro collector is not a compulsory clause, but may be paid in post payment.

In addition, the giro fee payment system (3) is made of a bill payment electronic paper to send the giro recipient to the giro receiver, and has a means for making a giro charge summary message to be sent to the giro receiver mobile communication terminal, and the financial settlement of the giro receiver It is a computer equipped with a means for registering the main contents of the personal statement except the means, name, social security number, mobile communication terminal number, and e-mail as a member in the Jiro collector account.

In addition, the giro fee payment system 3 is entered into the giro fee payment system (3) by the giro recipient enters their personal details, withdrawal account, and optionally enter the account password, and confirm the giro fee payment details It provides a means for creating a Giro account, and when the Giro subscriber who has signed up as the member pays the giro fee of another group, he accesses the Giro payee account with the mobile terminal and enters the consent button as a new member. This is a computer that is registered as a new member in Giro's account.

In addition, the giro bill payment system (3) is a giro bill payment message, which is the data to be sent to the mobile communication terminal of the giro payee, notice text message (Short Message Service) transmission, graphics transmission, ringtone transmission, music message transmission Means are provided, the means to send the data by setting the age, men and women, the bill payment situation of the giro recipient, the means to check the bill payment status, new member, withdrawal member of the Giro recipient Defensive, it is a computer that can store text messages and voice messages sent by Giro.

In addition, the giro fee payment system (3) is provided with means for transmitting the electronic bill and the withdrawal account and password to the bank server (8) or the card company server (9), which the giro pays the bills paid by the giro fee, The bank server 8 or the card company server 9 is a computer provided with means for registering the settlement result in the giro collector account and the giro receiver account.

The mobile communication terminal 7 may have a built-in smart card, which is applied to the smart card encryption technology for security reasons, and when the giro bearer joins the membership, the smart card number of the mobile communication terminal in the giro fee payment system 3 is applied. As a method of strengthening the security by inputting, when the mobile communication terminal accesses the Giro bill payment system 3, the user's password is compared with the smart card number output from the smart card to authenticate as a member.

The mobile communication system 4 generates a module of the giro collector account of the giro fee payment system 3 and the access group number to which the giro payer can access the mobile communication terminal. A mobile telecommunication company computer is provided with means for transmitting data sent by the giro collector to the mobile communication terminal 6 and transmitting the data sent by the giro collector to the account of the giro collector.

The mobile communication sharing system 13 is a system connected to a plurality of mobile carriers mobile communication systems, and the access group number and the virtual account connection generated by the mobile communication system by the account manager upon approval of the account manager to generate an access module. The mobile communication sharing system 13 generates the access group number and the virtual account access number and gives it to the account manager, and generates a connection module. The account manager connects the account access with a plurality of mobile communication systems. Is a computer system. The access group number and the virtual account access number access module are generated and processed by a system administrator who manages the giro fee payment system 3.

The mobile communication sharing system 13 is caused by the number of mobile communication terminals of the giro receivers for each mobile communication company. When the giro recipient transmits data to the giro receivers, the mobile communication sharing system 13 moves through the mobile communication sharing system 13. According to the communication terminal number, each mobile communication system is classified and transmitted, and when the Giro recipient accesses the Giro Recipient's account, the Giro charge system (3) is connected to the mobile communication system and via the mobile communication sharing system (13). Connect to the Giro collector account.

The operation of the configuration will be described in detail with reference to the drawings.

Figure 2 is an exemplary diagram showing an application for requesting approval of the Jiro collectors according to the issuance of the Jiro Bank of Korea according to the present invention, the group personality, corporate number, name of the group, the purpose of the group, representative phone, Giro fees, etc. It is an example of the screen which shows the content of the data inputted to the giro fee payment system 3, and sent to the KFTC server 4. As shown in FIG.

3 is a flow chart in which a giro collector according to the present invention receives an application and approval of a giro issuance of a financial settlement agency for issuing giro,

start;

Accessing the giro bill payment system 3 via the wired / wireless Internet network 2 to the giro collector's own client 1, and inputting the giro collector's personal details to join the membership (S101);

In order to receive the permit of issuing the giro collector, the step of transmitting the matter according to the giro is entered into the giro fee payment system 3 and transmitted to the financial settlement server 4 (S102);

Reviewing, by the KFTC Giro collector, the GRO issue data transmitted to the KFTC 4 (S103);

If the KFTC's review results are sent to the KFTC server (4), it is YES! Go to step S105, and if it is inappropriate! Transmitting the nonconformity notification to the giro collector account in step S102 (S104);

Giving the notice number and the electronic paper form to the paper money payer to the paper money payer system (3) to the paper money payer system (S105);

Registering the issuing data sent by the KFTC server (4) to the giro collector account (S106);

The system includes a shutdown step.

The giro fee payment system 3 is provided with all the giro issuance application that can request approval of the giro issuance to the financial settlement agency.

4 is an exemplary road in which the KFTC approves the permit for issuing a giro to the giro collector according to the present invention and grants a notice number and a giro form, a group name, a corporation number, a giro notice number, a giro form, a permit date, and the like. It is an example.

5 is an exemplary diagram showing an application for accessing a group number to a mobile communication company according to the present invention, an example of a screen displaying a group name, a group purpose, a corporation number, a representative telephone number, a branch notice number, a branch fee type, and the like.

6 is a flowchart illustrating a process in which a giro collector makes a contract with a mobile communication company and receives an access group number, and the giro receiver mobile communication terminal is connected to the giro collector account to exchange data with each other. The process of generating a connection module by receiving a connection group number from the mobile communication system 5 of the mobile telecommunication company of the mobile communication company by the Giro charge payment system 3 to be given the access group number,

start;

In order to access the Giro fee payment system (3), and to receive the accession group number from the telecommunications carrier, the group name, the type of charge, the corporation number, the Giro number, etc. are input and transmitted to the mobile communication system (5). Step S201;

Reviewing the access group number application data sent to the mobile communication system 5 by the mobile carrier Giro collector (S202);

If the mobile communication company mobile communication system 5 is suitable for assigning the access group number to the Jiro collector, as a result of the data review, yes! Go to step (S204), if inappropriate, no! Step (S203) of the rejection notice to the giro collector account of the giro fee payment system (3);

The mobile communication company branch office generates a access group number in the mobile communication system 5 to which the mobile communication network accessor can access data on the mobile payment network, and the access group number is sent to the branch payment system 3. Transmitting (S204);

The Giro fee payment system (3) receiving the access group number sent by the mobile telecommunication company registers the access group number in the Giro collector account and exchanges data between the mobile communication system (5) and the Giro collector account. Generating (S205); The system includes a shutdown step.

The access group number is a unique number through which the giro collector and the bill payer can exchange data, and the new bill payer connects to the bill pay system 3 via the mobile communication system 5 through his mobile communication terminal. In other words, the access number assigned by the mobile carrier that can register the membership and store the Jiro fees in the Giro account. For example, if a Giro collector account has an access group number of 10137646, and a mobile carrier has commonly assigned a number to access the Giro Billing System 3 at 080-800-2000, To access the account, enter 080-800-2000, and enter 10137646 to access the Giro collector account according to the instructions.

In addition, if the number that the mobile communication company can access to the mobile payment system in common to the mobile communication terminal is '080-800-2000', by entering a special character in the access number, enter the access number, for example, If you enter '080-800-2000 ### 10137646', you will be connected to the Giro collector account without the carrier's announcement.

7 is an exemplary diagram in which a mobile communication company assigns an access group number to a giro collector, and shows an example of a screen on which an access group number, a number assignment date, etc. are displayed.

8 is a flow chart illustrating a process in which a giro collector in accordance with the present invention receives notices of giro charges and giro charges are paid to the giro recipient, and the giro receiver transmits a giro charge guide message to the giro receiver mobile communication terminal. The process by which the Giro recipient stores the Giro charges on the mobile communication terminal and the financial settlement is made,

start;

In order to pay the data transmission service fee to be sent to the mobile terminal of the mobile terminal by the Giro, the Giro collector shall prepay the carrier for the amount used for the service and charge the service fee to the Giro Payment System (3). Step S301;

Requesting the member registration to the giro fee paying system (3) by inputting the giro payee mobile communication terminal number into the account of the giro payee (3) account (S302);

The Giro payer accesses the Giro fee payment system 3 with his client 11, inputs his / her e-mail address, e-mail address, mobile phone number, and bank account number or credit card number for payment. Inputting a password that can be connected to the mobile communication terminal to the bill payment system 3 to register as a member of the bill payment system 3 and registering as a bill acceptor to the bill collector account (S303);

Enter the details of the Giro charges sent to the Giro fee, enter the Giro charge information message summarizing the Giro bills, set up the Giro payee in the Giro payee account, and the detailed Giro charge payment message to the Giro payee email account. Sending and summarizing the grate rate guide message is sent to the base station mobile communication terminal via the mobile communication system 3 (S304);

Receiving, confirming, by the Giro recipient's own mobile communication terminal, a Giro Charge Guide message (S305);

In order to pay the giro charges to the giro payee, the user presses a connection button on his mobile communication terminal, accesses the giro payee account in the giro charge payment system 3, via his mobile communication system 5, Accessing by inputting a password (S306);

Inputting a bank account password for payment to the giro recipient (S307);

Giro bill payment system (3) step (S308) of transmitting the payment account and password entered by the recipient and the electronic bill to the giro collector electronic bank statement (S308);

Bank server (8) transferring the giro fee from the giro receiver bank account to the giro collector bank account and transmitting the transfer contents to the giro charge payment system (S309);

Giro bill payment system (3) registering the payment data sent by the bank server (8) to the giro collector account and Giro receiver account (S310);

The system includes a shutdown step.

The means to be paid by the Giro recipient includes a bank account payment, payment by credit card.

The form of the Giro fee guide message that the Giro recipient will receive and the form of the Giro original to be sent to the e-mail cannot be changed by the Giro collector. In addition, the storage amount to be paid to the giro recipient is the same as the e-mail sender, the mobile phone terminal giro receipt guide message, and the bank account transfer payment amount.

When the Giro recipient is registered as a Giro Receiving Member in the Giro Recipient's account, the personal details of the Giro Recipient, the mobile phone number, and the e-mail are registered, and the financial settlement means is not entered for the Giro Recipient's financial security. have.

The giro receiver can register as a giro receiver member to a plurality of giro collector accounts, and the giro receiver connects to the mobile communication system (5), enters the giro collector's access group number, and enters the giro charge system (3). By accessing the account of the Giro collector, and following the instructions or the instructions on the LCD screen, the mobile terminal button is pressed to register as a new member of the Giro collector account.

In order to send a text message and a voice message to the Giro collector account, a special character is combined between the mobile telephone company Giro bill payment system 3 and the access group number for accessing the Giro collector account. The text message is transmitted to the Giro receiver mobile communication terminal, and the voice message is transmitted to the Giro payee account of the Giro bill payment system 3 when data is input to the mobile communication system. Is input.

The process of acquiring the giro charges to the mobile communication terminal by the giro receiver registered as a member of the account by the giro collector is three steps, receiving a giro charge guidance message and pressing the connection button of the mobile communication terminal, the mobile communication system (5) is the first step to access the Giro collector account in the Giro Bill Payment System (3), the second stage to enter the member password to enter the Giro Collector account, and the third stage to enter the account password to pay have. In order to shorten the three steps, if the Giro receiver enters both the payment account and the password when registering the membership, the step is reduced to two steps.

9 is an exemplary diagram of a giro fee receiving guide message sent to the giro recipient by the giro collector according to the present invention, an example of a screen displaying a group name, a representative telephone, a giro notice number, a storage amount, and an access group number.

10 is an exemplary diagram showing a guide fee payment on a LCD screen of a mobile communication terminal of a mobile phone according to the present invention. This is an example of a screen showing an LCD screen showing rejection, signaling, sending a text message, sending a voice message, and the like.

11 is an exemplary view showing a receipt confirmation message displayed on the screen of the mobile terminal of the mobile terminal according to the present invention, the name of the group, the representative phone, the notice number, and the storage of the terminal fee payment on the screen of the mobile terminal of the mobile terminal. This is an example of a screen displaying the amount of money and the date of receipt.

Figure 12 is an illustration of a screen showing the bill payment situation, new member, withdrawal member of the giro recipient registered in the giro collector account according to the present invention.

FIG. 13 is an exemplary diagram showing a screen for setting a text message, a voice message, a graphic, and a ringtone for a community between a collector and a receiver according to the present invention, and setting and sending a message for each of the Giro recipients.

The present invention includes the function of supporting financial transactions between groups and individuals without paying the amount electronically, which is a small group that is not approved by the KFTC, various meetings, fan club meetings, club meetings, religions. If you register as a member in the system at a group meeting, etc., and the recipient registers for the meeting, the same financial service can be provided. In other words, an organization that does not have a permit for issuing a bill is issued in the same manner as the financial settlement process with a mobile communication terminal except for the issuance approval procedure.

The virtual account control system 12 receives the cash from the real bank account, stores the virtual account in the depositor and the recipient's account, and the account manager assigns a password to the virtual account to transfer electronic money from the account to the account. The virtual account control system 12.

The virtual account control system 12 deposits the amount withdrawn from the real account of the account manager to transfer the electronic money into the real account of the virtual account control system 12 transaction bank, and deposits the electronic money into the account manager virtual account. When the account manager attempts to transfer the electronic money in his or her virtual account to the real account, he accesses the virtual account control system 12 and orders the transfer to his real account. The virtual account control system 12 The virtual account control system 12 withdraws from the transaction real account and deposits it into the real account manager.

The electronic money at the head of the account can be stored in the virtual account of the recipient account without passing through the bank when an individual transfers funds to an individual, individuals transfers funds, or transfers electronic money. Electronic money is transferred to the beneficiary account virtual account.

The virtual account control system 12 that controls the virtual account processes the money transfer between the virtual account of the depositor and the recipient, who are the account manager, and stores the transaction fact.

In order to transfer the electronic money to the mobile communication terminal, a virtual account access number similar to the access group number function is assigned by the mobile communication company, which is connected to the virtual account control system 12 and the virtual account in each account. The virtual account control system 12 used to connect a virtual account and transfer electronic money from an account virtual account to an account virtual account can be accessed.

The message for transferring the electronic money from the virtual account to the virtual account is referred to as an electronic money transfer message on the screen of the receiver mobile communication terminal. The method for transferring the electronic money from the receiver account virtual account to the collector account virtual account by the mobile communication terminal,

start;

Receiving a number from the receiver's mobile telecommunication company to which the receiver can access the virtual account control system 12 by the mobile communication terminal (S401);

A step of the collector collecting the money transfer message to the receiver via the virtual account control system 12 to the receiver mobile communication terminal (S402);

The receiver is connected to the virtual account control system 12 by a mobile communication terminal (S403);

Inputting a receiver member password connected to the virtual account control system 12 (S404);

Inputting the receiver virtual account password (S405);

The virtual account control system 12 transfers the electronic money from the receiver's virtual account to the collector's virtual account and stores the fact (S406);

Transmitting the virtual account transfer confirmation message to the receiver's mobile communication terminal (S407);

The system includes a shutdown step.

The electronic money in the virtual account of the collector and the recipient account may be connected to the virtual account control system 12 and transferred to the real account of the recipient.

The virtual account electronic money in the accounts of the collector and the receiver may be used as a mobile communication service fee. When the electronic money is used as a mobile communication service fee, the virtual account control system 12 is connected to the account. Enter the number and the amount of electronic money to be transferred and press the mobile communication service charge transfer button, the electronic money in the virtual account is transferred to the mobile communication charge.

Changes and modifications of the specifically described embodiments of the invention are limited only by the scope of the claims.

The effect of the present invention is that the giro receiver can receive the giro charge from the giro receiver by charging the giro receiver to the mobile terminal of the electronic girder for a small fee, and the giro receiver uses the mobile terminal to make the giro charge by a simple procedure. There is an effect that can be paid, the contents of the receipt can be confirmed by the mobile communication terminal, and can receive various news from the giro collectors, and can suggest their matters to the giro collectors through the mobile communication terminal.

In addition, the mobile telecommunication company can obtain the revenue from the giro fee information transmission, text message transmission, graphics transmission, ringtone transmission that is the communication fee sent by the giro receiver to the mobile communication terminal.

In addition, the use of this system has a wide range of effects, such as collecting giro bills, utility bills, tax collection, school circle meetings, political parties, Internet community site meetings, women's meetings, religious groups, school payments.

Claims (24)

In the case that Giro collectors are approved for issuing Giro by KFTC, start; Accessing the giro bill payment system via the wired / wireless internet network as the giro collector's own client, and entering the user's details of the giro collector's membership (S101); In order to receive the permit of issuing the giro collectors, the step of transmitting the details of the issuance to the giro fee payment system is transmitted to the KFTC server (S102); Reviewing, by the KFTC Giro, the GRO issue data transmitted to the KFTC (S103); If the KFTC's review results to the KFTC's server, it is OK! Go to step S105, and if it is inappropriate! Transmitting the nonconformity notification to the giro collector account in step S102 (S104); Giving a notice number and an electronic form to the giro collector by the KFTC server, transmitting to the giro collector account of the giro payment system (S105); Registering giro issuance data sent by the giro fee payment system financial settlement server to the giro collector account (S106); Giro payment system by a mobile communication terminal including a termination step According to claim 1, The Giro Fee Payment System is a giro payment system by a mobile communication terminal that has all the Giro issuance applications that can be requested to the KFTC. According to claim 1, The application requesting the approval of the Giro collector's permit for the issuance of the Giro by the KFTC shall include the Giro by the mobile communication terminal, which includes the Giro collector's group personality, corporation number, group name, group purpose, representative telephone, and Giro fee characteristics. Payment system In the case of a Giro collector who receives an access group number to a mobile communication system of a mobile carrier with a Giro fee payment system and generates an access module, start; Accessing the giro collector's giro fee payment system, inputting a group name, a charge type, a corporation number, a giro number, and the like to receive an access group number from a mobile communication company (S201); Reviewing the access group number application data sent to the mobile communication system by the mobile carrier Giro collector (S202); If the mobile communication system is suitable for assigning the access group number to the Giro collector, as a result of the data review, yes! Go to step (S204), if inappropriate, no! Step (S203) of the rejection notice to the giro collector account of the giro payment system; Generating a module in the mobile communication system for the access group number to the mobile communication company giro receiver can access the data to the giro collector account through the mobile communication network, and transmitting the access group number to the giro bill payment system (S204). ; The Giro fee payment system receiving the access group number sent by the mobile communication company registers the access group number in the Giro collector account, and generates an access module for exchanging data between the mobile communication system and the Giro collector account (S205). ); Giro payment system by a mobile communication terminal including a termination step The method of claim 4, The access group number is a unique number through which the Giro collector and the charge payer can exchange data.The new Giro payer accesses the Giro charge payment system via the mobile communication system using his mobile communication terminal and adds a new account to the Giro payee account. Giro payment system by mobile communication terminal which is access number assigned by mobile carrier that can register membership and store giro charges The method of claim 4, The number that the Giro recipient can access the Giro toll payment system via the mobile communication system through the mobile communication terminal is a number created by combining the Giro payment pain number, the access group number, and the special characters given by the mobile carrier. Giro payment system by mobile communication terminal which can be connected In the process in which the giro collector sends the giro charge guidance message to the giro receiver mobile communication terminal, and the giro receiver stores the giro charge in the mobile communication terminal, the financial settlement is made. start; In order to pay the data transmission service fee to be sent to the mobile terminal of the mobile terminal by the Giro, the Giro payer pays the service fee in advance to the mobile carrier and charges the service fee to the Giro payment system. S301); Requesting a member registration to the giro bill payment system by text message by inputting the giro payee mobile communication terminal number to the giro bill paying system account (S302); Giro payer accesses the Giro fee payment system with his client, enters his / her details, e-mail address, mobile phone number, bank account number or credit card number as a means of withdrawal, and enters the mobile communication system into the Giro fee payment system. Inputting a password that can be connected to the terminal to register as a member of the giro bill payment system, and registering as a giro storage member in the giro collector account (S303); Enter the details of the Giro charges sent to the Giro fee, enter the Giro charge information message summarizing the Giro bills, set up the Giro payee in the Giro payee account, and the detailed Giro charge payment message to the Giro payee email account. Sending, and summarized Jiro fee information message is sent to the mobile station to the base station to the mobile communication system (S304); Receiving, confirming, by the Giro recipient's own mobile communication terminal, a Giro Charge Guide message (S305); In order to pay the giro charges for the giro, the user presses the access button on his mobile communication terminal to access the giro collector account in the giro charge payment system, enters his password Step S306; Inputting a bank account password for payment to the giro recipient (S307); Transmitting a payment account, a password, and a electronic bill payment notice to the bank account by the giro fee payment system receiver (S308); Transferring the giro fee from the bank server giro recipient bank account to the giro collector bank account (S309); Registering the payment data sent by the giro fee payment system bank server in the giro collector account and the giro receiver account (S310); Giro payment system by a mobile communication terminal including a termination step The method of claim 7, wherein When a Giro recipient is registered as a Giro Receiving Member in the Giro Recipient's account, his / her details, mobile phone number, and e-mail are registered. Giro Payment System The method of claim 7, wherein Giro recipients can join a number of giro collector accounts as giro receivers. Giro receivers can access the mobile telecommunication system, enter the giro collector's access group number, and access the giro collector's account in the giro payment system. According to the guidance or the guidance of the LCD screen, by pressing the button on the mobile terminal terminal giro payment system by the mobile terminal to register as a new member in the account of the giro collector The method of claim 7, wherein The Giro Bill Payment System has a means for Giro bill sender to send Giro bill payment messages, send short message service announcements, send graphics messages, send ringtones, and send music messages. Jiro payment system provided by the mobile communication terminal that can send data by setting the age, gender, charge payment situation of the giro receiver The method of claim 7, wherein The Giro fee payment system is equipped with a means for transmitting the payment details of the Giro fee by the Giro payees and the password of the withdrawal account to the bank server or the card company server. Giro payment system by mobile communication terminal having means for registering account and Giro account The method of claim 7, wherein In financial transactions between groups and individuals without paying electronically, the depositor registers as a member in the Giro fee payment system, creates an account, receives an access group number from the mobile carrier, and the Giro charge member , Payment system by mobile communication terminal that can make financial transaction between group and individual by mobile communication terminal The Giropayer account is a Giropayment system by a mobile communication terminal in which a Giro payee's payment status, a new member and a withdrawal member are created and displayed. In order to send a text message and voice message to a Giro account, a special character is combined between a common number for accessing the Giro toll payment system assigned by the mobile carrier and an access group number for access to the Giro. The text message is inputted to the mobile communication terminal, and the text message is transmitted to the Giro receiver's mobile communication terminal, and the voice message is transmitted to the Giro payee account of the Giro bill payment system when data is inputted. Giro payment system by communication terminal The process of acquiring the Giro charges by the Giro recipients who are registered in the account of the Giro collector in their mobile communication terminal is a three-step process. There are three stages to access the Giro collector account in the Giro fee payment system, two stages to enter the member's password to enter the Giro collector's account, and three stages to enter the account password to pay. If the Giro receiver enters both the payment account and the password when registering the membership, the Giro payment system by the mobile communication terminal is reduced to 2 steps. Giro recipients will receive the form of the giro fee guidance message and the form of the original Giro to be sent to the e-mail. The giro collector cannot change the giro depositor at any time, and the deposit amount that the giro recipient must pay to the giro collector is sent to the mobile communication terminal. Is a giro payment system by a mobile communication terminal that matches both the giro storage guidance message and the bank account transfer amount. In the transfer of electronic money from the receiver account virtual account to the collector account virtual account by the mobile communication terminal, start; Receiving a number from the receiver's mobile telecommunication company to which the receiver can access the virtual account control system through the mobile communication terminal (S401); A step of the collector collecting the money transfer message to the receiver through the virtual account control system to the receiver mobile communication terminal (S402); Wherein, the receiver is connected to the virtual account control system to the mobile communication terminal (S403); Inputting a receiver member password connected to the virtual account control system (S404); Inputting the receiver virtual account password (S405); Transferring the electronic money from the virtual account of the virtual account control system receiver to the virtual account of the collector and storing the fact (S406); Transmitting a virtual account transfer confirmation message to the virtual account control system receiver mobile communication terminal (S407); Giro payment system by a mobile communication terminal including a termination step The method of claim 17, The virtual account control system allows an account manager, a collector and receiver, to receive cash from a bank physical account when an individual transfers funds to an individual, an individual transfers funds to an individual, or an organization transfers electronic money. , The giro payment system by the mobile communication terminal to store the virtual account in the account of the depositor and the receiver and transfer the electronic money from the account virtual account to the account virtual account by assigning a password to the virtual account The method of claim 17, In order to transfer electronic money from the receiver's virtual account to the receiver's virtual account, the mobile communication terminal receives a virtual account focusing number similar to the access group number function from the mobile carrier and connects to the virtual account control system 12 as the mobile communication terminal. Giro payment system by mobile communication terminal The method of claim 17, The electronic money in the virtual account of the collector and the recipient's account is a giro payment system by a mobile communication terminal that allows the collector and the receiver to access the virtual account control system and transfer them to their real account. The method of claim 17, The virtual account control system deposits the amount withdrawn from the real account of the account manager who wants to transfer the electronic money to the real account of the virtual account control system transaction bank, the electronic money is deposited into the account manager virtual account, and the account manager has his virtual account. When you want to transfer the electronic money from the real account, you access the virtual account control system and order the transfer to your real account. The virtual account control system withdraws from the virtual account control system transaction real account. Payment system by mobile communication terminal The method of claim 17, When using electronic money as a mobile telecommunication service fee, access the virtual account control system, enter the unique number of his account, enter the amount of electronic money to be transferred, and press the mobile service charge transfer button to move the electronic money in the virtual account. Giro payment system by mobile communication terminal transferred to communication charge The mobile communication sharing system is a system connected to a plurality of mobile carrier mobile communication systems, and the mobile communication system moves the access group number and the virtual account access number, which is approved by the account manager by the account manager and created an access module. The communication sharing system generates the access group number and the virtual account access number and gives it to the account manager, and generates a connection module. The mobile communication terminal connects the account manager's account access with a plurality of mobile communication systems. Giro Payment System The mobile terminal can be equipped with a smart card. For security reasons, the smart card encryption technology is applied, and when the Giro receiver joins the membership, he enters the smart card number of the mobile terminal into the Giro payment system to enhance security. By way of example, when the mobile communication terminal accesses the Giro fee payment system, the Giro payment system by the mobile communication terminal that authenticates as a member by comparing the member's password with the smart card number output from the smart card.